Depending on your particular insurance plan and out-of-network provider benefits, you may be reimbursed for a portion of your therapy payments. It is recommended that families call their insurance providers and obtain the following information: if they have “out of network” coverage; if a referral is required from their child’s pediatrician; what, if any, is the annual mental health deductible; what percentage of the fee will be reimbursable by the insurance company; and what is the maximum yearly allowance. You should also ask what the “usual and customary rate” is according to your insurance company as that is the rate upon which they will base their reimbursement.